MyFinCards
NRI Royale Signature Credit Card

Joining Fee

Free

Annual Fee

Rs. 1000 + Taxes

Kotak Bank
Rewards
Travel
Best For: NRIs who travel frequently to India, NRIs looking to earn rewards on international spends, NRIs wanting to pay in INR while in India

NRI Royale Signature Credit Card

Rewards Structure

Base Reward Rate

1% on spends

Point Value

1 Point = ₹1

Pros

  • 2x reward points on international spends
  • 1 Reward Point = Re 1 value
  • Complimentary airport lounge access (2 visits/quarter)
  • Fuel surcharge waiver up to Rs. 3500/year
  • Railway surcharge waiver up to Rs. 500/year
  • Pay in INR while in India - no forex markup
  • Add-on card available for family members

Cons

  • Only 1 reward point per Rs. 200 spent on domestic spends
  • Add-on card has a one-time fee of Rs. 599
  • Lounge access limited to select lounges in India only

Hidden Catches (Transparency Policy)

To build trust with our users, we highlight the fine print that issuers often tuck away in policy documents.

Fuel surcharge waiver only on transactions between Rs. 500 and Rs. 3000

Annual fuel surcharge waiver capped at Rs. 3500

Annual railway surcharge waiver capped at Rs. 500

Key Benefits & Features

Railway surcharge waiver on IRCTC and Indian Railways booking counter transactions. Max Rs. 500 per calendar year.

Freedom to purchase and pay in INR while traveling to India, avoiding forex markup and currency exchange hassles.

Add-on card for spouse, parents or children above 18 years, regardless of location or citizenship status.

Eligibility Criteria

Age Requirement

18+ Years

Occupation

SALARIEDSELF_EMPLOYEDRETIREDSTUDENT

Required Documents

IDENTITY Proof

PAN Card
Aadhaar Card
Official Terms & Conditions

About NRI Royale Signature Credit Card

The Kotak NRI Royale Signature Credit Card is designed exclusively for Non-Resident Indians, offering a tailored suite of benefits that cater to the unique financial needs of Indians living abroad. The card makes every transaction rewarding, earning 2 reward points for every Rs. 200 spent on international purchases and 1 reward point for every Rs. 200 spent within India. Accumulated points can be redeemed for movie tickets, air tickets, cash, and more, with 1 Reward Point equal to Re. 1. One of the card's standout features is the freedom to purchase and pay in Indian Rupees while traveling to India, eliminating mark-up fees and the hassle of currency exchange. Cardholders also benefit from fuel surcharge waivers on transactions between Rs. 500 and Rs. 3,000, railway surcharge waivers on IRCTC and Indian Railways Booking Counter transactions, and 2 complimentary airport lounge visits per quarter at select lounges across India, complete with gourmet meals, Wi-Fi, and comfortable seating. Add-on cards can be gifted to a spouse, parents, or children above 18 years, extending these premium benefits to family members regardless of their location or citizenship. With an annual fee of just Rs. 1,000, the Kotak NRI Royale Signature Card delivers exceptional value for NRIs seeking a rewarding and convenient financial companion.

Expert Review

Our Verdict

Tailored NRI card with 2x rewards on international spends, lounge access & surcharge waivers.

Frequently Asked QuestionsAbout NRI Royale Signature Credit Card

FEESWhat is the annual fee for the Kotak NRI Royale Signature Credit Card?
The Kotak NRI Royale Signature Credit Card comes with an annual fee of Rs. 1,000/-. There is no joining fee applicable for this card. This fee covers all the premium benefits tailored for NRI customers, including reward points, lounge access, and surcharge waivers.
REWARDSHow many reward points do I earn on international and domestic spends?
With the Kotak NRI Royale Signature Credit Card, you earn 2 reward points for every Rs. 200/- spent outside India (international spends). For spends within India (domestic spends), you earn 1 reward point for every Rs. 200/- spent. This double reward benefit on international transactions makes it especially valuable for NRIs spending abroad.
REWARDSWhat is the value of 1 reward point?
Each reward point earned on the Kotak NRI Royale Signature Credit Card is worth Re. 1/-. This means 1 Reward Point = Re 1/-, offering straightforward and transparent redemption value. You can accumulate your reward points and redeem them across a wide range of options including movie tickets, air tickets, cash, and more.
BENEFITSWhat are the airport lounge access benefits on this card?
The Kotak NRI Royale Signature Credit Card offers 2 complimentary airport lounge visits every quarter at select lounges in India. Lounge access includes premium benefits such as gourmet meals, comfortable seating, widescreen TVs, newspapers and magazines, and free Wi-Fi. Please note that lounge access is limited to select lounges within India only.
BENEFITSWhat is the fuel surcharge waiver offered on the NRI Royale Signature Credit Card?
The Kotak NRI Royale Signature Credit Card offers a fuel surcharge waiver applicable on fuel transactions between Rs. 500 and Rs. 3,000. The maximum fuel surcharge waiver you can avail in a calendar year is Rs. 3,500. This benefit helps NRIs save on fuel expenses during their visits to India.
BENEFITSWhat is the railway surcharge waiver on this card?
The Kotak NRI Royale Signature Credit Card offers a railway surcharge waiver of 1% on rail ticket purchases made online at www.irctc.co.in and at Indian Railways Booking Counters. The maximum railway surcharge waiver you can earn in a calendar year is Rs. 500/-. The waiver is not applicable on any delivery charges. Service Tax is applicable on this benefit.
INTERNATIONALCan I use this card to pay in Indian Rupees while visiting India?
Yes, the Kotak NRI Royale Signature Credit Card allows you to purchase and pay in Indian Rupees (INR) while traveling to India. This means you can avoid the forex markup fee typically charged on credit cards issued outside India, as well as the hassle of currency exchange. You can use it seamlessly for purchases, travel, and dining in India.
BENEFITSCan I get an add-on card for my family members?
Yes, you can gift an add-on card to your spouse, parents, or children above 18 years of age, extending the benefits of the NRI Royale Signature Card to your loved ones. The add-on card is issued irrespective of the recipient's location or citizenship status. A one-time fee of Rs. 599/- per add-on card is applicable.
OTHERWhat is a credit card balance transfer?
Credit card balance transfer is the process of transferring the outstanding balance from one credit card account to another. Once the transfer is completed, the debt is owed to the new card issuer instead of the original card issuer. This feature can be helpful in managing debt by potentially moving a balance to a card with better terms or lower interest rates.
ELIGIBILITYWho is eligible to apply for the Kotak NRI Royale Signature Credit Card?
The Kotak NRI Royale Signature Credit Card is specifically designed for Non-Resident Indians (NRIs). The card is tailored with customized features and benefits for Indians living or working abroad. To confirm specific eligibility criteria such as minimum income requirements or age limits, it is recommended to check directly with Kotak Mahindra Bank or contact their toll-free helpline at 1800 4100.
USAGEHow can I redeem my reward points earned on the NRI Royale Signature Credit Card?
You can accumulate reward points earned on the Kotak NRI Royale Signature Credit Card and redeem them across a wide variety of options. Redemption options include movie tickets, air tickets, cash, and more. Each reward point holds a value of Re. 1/-, making the redemption process straightforward and valuable. For detailed redemption instructions, you can visit Kotak's reward redemption portal or contact customer support.
APPLICATIONHow do I apply for the Kotak NRI Royale Signature Credit Card?
You can apply for the Kotak NRI Royale Signature Credit Card online through the official Kotak Mahindra Bank website. Look for the 'Apply Now' option on the NRI Royale Signature Credit Card page. You can also contact Kotak Bank's toll-free helpline at 1800 4100 for assistance with your application. Ensure you have the necessary NRI-related documents ready before applying.
DOCUMENTSWhat documents are required to apply for the Kotak NRI Royale Signature Credit Card?
While the page does not list specific documents, typical documents required for an NRI credit card application include a valid passport, proof of NRI status (such as a valid visa or work permit), NRE/NRO bank account details, overseas address proof, and recent income or employment proof. It is advisable to contact Kotak Mahindra Bank directly at 1800 4100 or visit their official website for the exact document checklist.
CANCELLATIONHow do I cancel or close my Kotak NRI Royale Signature Credit Card?
To cancel or close your Kotak NRI Royale Signature Credit Card, you can contact Kotak Mahindra Bank's customer support through their toll-free helpline at 1800 4100, write to them at customersupport@kotak.com, or raise a service request through Kotak's Netbanking portal. Ensure all outstanding dues are cleared before requesting cancellation. Any unused reward points may be forfeited upon card closure.
INTERNATIONALIs there a forex markup fee on the Kotak NRI Royale Signature Credit Card for international transactions?
The Kotak NRI Royale Signature Credit Card is designed to benefit NRIs by allowing them to pay in Indian Rupees (INR) while in India, helping avoid typical forex markup fees charged on foreign-issued cards. However, for detailed information on forex markup fees applicable on international transactions made using this card, it is recommended to review the Fees and Charges section on the official Kotak Bank website or contact their customer support at 1800 4100.

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